Mortgage Loan Officer

CTBC Bank Corp. (USA); Phoenix (AZ); On-site; USD 32,000 - 40,000; Full time

Benefits offered by this job

Full benefits

Uncapped commissions

Job summary

CTBC Bank Corp. (USA) in Phoenix seeks a Mortgage Loan Originator to generate production through self-sourced channels. You will actively solicit business and develop long-term referral relationships with realtors, builders, bankers and other sources to meet volume goals.

You will review loan applications, gather required documents, and submit packages for underwriting, while identifying cross-sell opportunities and staying compliant with applicable regulations.

Qualifications

• 2+ years of external retail mortgage loan origination experience.
• Ability to establish referral partner relationships with realtors, builders, attorneys, or CPAs.
• Thorough knowledge of mortgage products, procedures, and government regulations.
• Strong verbal and written communication skills.

Responsibilities

• Originate mortgage loans in assigned area and solicit business through self-sourced channels.
• Review loan applications, gather documents, and submit packages for underwriting.
• Identify cross-sell opportunities with branch staff and partners.

Skills

Mortgage loan origination

Self-sourced business

Job description

This position will primarily generate mortgage loan production through self-sourced channels. Actively solicit new business, develop, and maintain sources to achieve the assigned business objectives and financial performance.

ESSENTIAL FUNCTIONS:

• Originate mortgage and related loan applications in an assigned area; develop long term referral relationships with realtors, builders, bankers, and other sources, in order to proactively solicit business and conduct sales-related activities, frequently outside of Bank locations, in order to meet specific loan volume origination goals.
• Identify cross-sell opportunities, including opportunities to refer customers to other sales representatives (Branch staff, Commercial Real Estate, Commercial and Industrial Lending, Cash Management, Financial Consultants) through proper customer profiling and needs-based selling.

Documentation Review (25%)

• Receive loan applications, review application information, and obtain specific supporting documents needed/required based on loan investor guidelines, and submit properly completed loan application packages to processing and underwriting for approval.

OTHER RESPONSIBILITIES:

• Successfully complete all mandatory training on related Bank and BSA compliance as well as other laws and regulations as assigned in a timely manner.
• Perform other duties as assigned.

Education, Experience and Skills Required:

• 2+ years of external/outside retail mortgage loan origination experience with an emphasis on self-sourced business.
• Ability to establish referral partner relationships in the market (e.g., realtors, nonprofit organizations, builders, attorneys, financial advisors, or CPAs)
• Thorough knowledge of mortgage related products, procedures, and the government rules and regulations pertaining to them.
• Good verbal and written communication skills with the ability to explain programs, loan terms, features, policies and benefits to customers and business partners,

PHYSICAL DEMANDS:

• Minimum mobility to work in an office setting; sit for prolonged period of times; operate office equipment including use of a computer keyboard; and reach with hands and arms. Employees are occasionally required to walk and stand and lift and move records and documents weighing 30 pounds or less.

COMMUNICATION DEMANDS:

• Attention to detail, strong organizational, communication, interpersonal, self-motivated, and analytical skills, ability to interact with all levels of management and staff.

WORK ENVIRONMENT:

• Standard office environment. Noise level in work environment is usually average. Hear in the normal audio range with or without correction. Specific vision abilities required by this job include close vision and the ability to adjust focus. Some travel may be required.

Compensation

The pay range for this position is $36,000 annual incentive draw which is an advance on earned incentives (recovered from commission earned) plus uncapped commission with full benefits. Exact offer will be determined based on job-related knowledge, skills, experience, and location.

• All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.